Are there are any adults in here willing put their politics aside and explain where the insurance companies are going to make up the lost revenue of dropped policy premiums from small businesses. Below is the governments penalty (tax) structure. "Not obtaining insurance in 2014 will cost a person $95 or 1% of his or her income, whichever is higher. In 2015, it's $325, or 2% of income. For families, the penalty will be $285 per household or 1% of income, whichever is greater. By 2016, it goes up to $2,085 per family or 2.5% of income. Penalties will rise each year" I own a typical small business (under 50 employees) in California, I'm not mandated by state or federal law to provide healthcare insurance to any of my employees but this is what I choose to pay for their healthcare plans. Between me, my wife and employees, I pay close to $5k a month for an HMO (Kaiser). Now that the ACA is law, I can rest assured that my employees and their families will have healthcare. They can also now afford to pay the 1% annual penalty tax of approx. $500 - $2,085, even if I decide to cover their penalties (taxes) I will save $20,000-$50,000 a year, if I don't there is no question that their taxes will go up substantially. I'm sure most all small businesses will make a calculated decision and follow suit. Our insurance company is getting about $58,000 a year for seven policies, with the ACA fines, (taxes) in 2013-2014 the federal government collects about $3,500 a year, where's the remaining $53,000 coming from?